ChoiceOne Financial Svc

Q2 FY2026 EarningsQ2 FY26 missed consensus across bottom-line metrics primarily due to a strategic $1.9M pre-tax securities loss: revenue of $41.6B (interest + non-interest income) was below the $43.5B expected, and diluted EPS of $0.83 missed the $0.88 estimate. Net interest margin (GAAP) was 3.59% vs. 3.66% expected, impacted by higher funding costs and lower accretion. Despite the earnings miss, core loan growth remained robust at 11.9% annualized, supported by organic production and a $40M mortgage portfolio purchase.